Lots and housing

Overview

Housing in inZOI determines where a Zoi lives, how much space they have for furniture and activities, and how much they pay in property taxes. The game divides properties into two categories: residential lots where Zois live, and community lots that are shared public spaces. All lots can be edited through Build Mode, and apartment buildings can reach up to 30 floors.

Lot types

Residential lots

Residential lots are where Zoi households live. They range from compact studio apartments to larger multi-room properties. Each household occupies one residential lot. The lot includes the building footprint and any outdoor space (yard, garden, parking area) associated with it. Gardening, outdoor exercise equipment, and swimming pools all require outdoor space on the residential lot.

Community lots

Community lots are public buildings and spaces that all Zois can visit. Parks, gyms, restaurants, libraries, and other public venues are all community lots. These lots are free to edit in Build Mode. Players can redesign community spaces without spending any Meow. This means players can customize their city's public spaces, adding new furniture, rearranging layouts, and creating entirely new public venues.

Apartments

inZOI supports apartment buildings with up to 30 floors. Apartment living is common in both cities, especially in Dowon where the urban density means smaller lots and taller buildings. Each floor in an apartment building can contain multiple units. Players can edit their own unit through Build Mode without affecting other units in the building.

Apartments tend to be more affordable than standalone houses, making them a good choice for Zois who are just starting out or who have not built up significant savings yet.

Lots by city

Dowon

Dowon has 12 lots available for residential use. The city has a dense, urban layout with compact apartments and smaller properties. Dowon's lots reflect its metropolitan character: vertical living spaces, close neighbors, and limited yard space. The tight layout encourages indoor-focused gameplay, with Zois relying on community lots for outdoor activities like fitness at Harang River Park.

Bliss Bay

Bliss Bay has 14 lots, two more than Dowon. The coastal city has a suburban feel with larger properties and more outdoor space. Lots in Bliss Bay tend to be wider, giving Zois room for gardening, outdoor furniture, and recreational areas. The beachside location also means some lots have ocean proximity, fitting the city's vacation-town atmosphere.

Cahaya

Cahaya is a resort destination with a different housing model. Rather than traditional residential lots, Cahaya offers resort accommodations. The housing structure here is designed for temporary stays rather than permanent residence, reflecting Cahaya's identity as a getaway destination.

Buying property

To buy a property, open the city map (M) and select an available lot. The purchase price varies by lot size, location, and existing structures. Larger lots in desirable areas cost more Meow. Players who cannot afford to pay upfront can finance their purchase through bank loans.

Bank loans for property

Banks in both cities (Narae Bank in Dowon, Southwest Bank in Bliss Bay) offer property loans at approximately 1% interest. Bank loans can cover amounts from 300 to 15,000 Meow, making them the primary financing method for property purchases. Loan repayments are deducted automatically from the household's funds. See Meow and economy for full banking details.

Loan shark financing

Loan sharks offer quick cash at 5% interest for amounts of 2,500 or 5,000 Meow. While this can supplement a property purchase, the high interest rate and the risk of debt collectors seizing household items make bank loans the better option. Loan shark financing should be a last resort.

Property taxes and bills

Owning property means paying bills every Friday. Property tax is one of three bill types (alongside electricity and water). The tax amount is based on the value of the lot and its furnishings. A modestly furnished apartment generates lower taxes than a fully decorated mansion. Players can reduce property tax by keeping their home simple or by choosing a smaller lot.

Bills have a 2-day payment deadline. If the household cannot pay, the welfare system may help: households below 1,000 Meow automatically receive a 2,000 Meow payment.

Moving

Zois can move to a new lot at any time. The moving process involves several steps:

1. Select a new lot from the city map.

2. Choose whether to sell the current property or keep it.

3. Choose whether to sell or store existing furniture. Stored furniture goes into the household inventory and can be placed in the new home through Build Mode.

4. Confirm the move. The household relocates to the new lot.

Selling the old property returns its purchase value (minus depreciation). Selling furniture converts each item to Meow at its current resale value. Storing furniture preserves the items for use in the new home but means no immediate income.

Moving into an occupied lot

It is possible to move into a lot that another family currently occupies. Doing so displaces that family. The displaced household is removed from the lot and effectively evicted. This is a direct approach to acquiring desirable property, but it removes an existing family from the neighborhood.

Build Mode and lot editing

All lots (both residential and community) can be customized through Build Mode. Residential lot edits cost Meow, while community lot edits are free. Build Mode allows players to:

• Place, move, and remove walls, floors, and ceilings

• Add and arrange furniture throughout the property

• Build outdoor features like swimming pools, gardens, and patios

• Customize paint, wallpaper, and flooring materials

• Construct multi-story additions up to the apartment limit of 30 floors

• Use the Build Studio for advanced construction

Players can also share their lot designs through the Canvas online platform, and download lots created by other players.

Choosing a home

Several factors affect which lot is right for a household:

• Budget - Dowon apartments are generally cheaper. Bliss Bay lots are larger but cost more. Starting Zois may want to begin with a modest apartment and upgrade later.

• Outdoor space - Gardening requires planter space, swimming pools need room to build, and outdoor gym equipment takes up yard space. Bliss Bay lots tend to offer more outdoor area.

• Proximity to work - Living near the Zoi's workplace reduces commute time. Check the city map for nearby organizations.

• Household size - Larger families need more bedrooms and living space. An apartment that works for a single Zoi will feel cramped with children.

• Tax burden - Bigger, more furnished lots mean higher bills. Keep the weekly tax payment in mind when choosing property size.

Future cities and lots

Five additional cities are planned for future updates: Brusimo, Goldenfield, Winiber, Haegang, and Recalleta. Each city will bring new lots with distinct architectural styles and lot sizes. Cahaya is already available as a resort destination. Check the early access roadmap for planned city release dates.

The existing lot counts (12 in Dowon, 14 in Bliss Bay) will expand as these new cities are added, giving players significantly more housing options over time.

Housing and the welfare system

Zois who cannot afford housing are protected by the welfare system. When household funds drop below 1,000 Meow, the game automatically deposits 2,000 Meow. This prevents a household from being unable to pay bills or buy food. Combined with the cheapest available lots, the welfare system ensures that every Zoi can maintain some form of housing, even without a career.